It’s natural to have questions such as:
- Can I maintain my current lifestyle in retirement?
- How will taxes impact my retirement?
- Am I on the right track or will I outlive my assets?
- What is the best investment strategy for my situation?
- How do I make sure my legacy is secured for my loved ones?
- Can I safely navigate the unexpected?
Built for You, not Everyone
Hi, My name is Mike Caputo. For more than two decades, I’ve had the great privilege to walk alongside clients through market downturns, tax law changes that affect investments, and personal milestones.
At Headwater, we know it’s not just about having enough money — it’s about feeling confident in every decision you make.
With that in mind, I built Headwater with a focus on depth—not scale. Serving fewer clients allows me to provide more attentive service. Through a “Right Fit” approach, I’ve built strong relationships that ensure personalized guidance from someone who truly knows your story—not just your file.
I take my role as a financial advisor very seriously, putting your needs and priorities first as we build a financial plan that can evolve as your life unfolds.
Discover
We use our MosaIQ FORMula process to craft a personal financial profile to optimize what matters most to you - Family, Occupation, Recreation, and Money.
Design
We outline a strategy to enhance the value of your life’s work, with a deeper focus on family legacy, occupational goals—such as retirement or a work-optional lifestyle—and your recreational aspirations.
Deploy
Family, Occupation and Recreation are the WHY. Money is the HOW. Its the engine that moves the car but its never the WHY. Proper account types are determined, funded, and investment strategies implemented.
Discern
Regularly scheduled Strategy & Tactical meetings keep your plan on track. They ensure we stay ahead of the curve, making adjustments and adapting to pursue your evolving needs.
Get an Introduction Kit
Take the first step in getting to know us and learn about what we do and how we do it. Our partnership with you could be a simple phone call away.